Credit vs Cash Buyers: Who Gets Better Deals?

Credit vs cash buyers in the U.S.: dealers sometimes prefer financing (they can mark up rate); cash can simplify but don't assume you get a better price—negotiate out-the-door price first either way. Here's credit vs cash buyers: who gets better deals.

TL;DR Dealers may prefer financing (rate markup). Cash doesn't automatically mean a better price—negotiate OTD first. If you finance, get pre-approved and compare to dealer; don't pay markup. Use autopremo.com OTD calculator and payment calculator. Use autopremo.com.

Dealer Preference for Financing

Dealers can make money on rate markup—so they may prefer financed deals. That doesn't mean you should overpay on price or rate. Agree on OTD first; if you finance, shop rate. Use autopremo.com OTD calculator. Get your numbers at autopremo.com.

Cash Doesn't Auto-Mean Better Price

Cash removes financing from the deal—but dealer may not discount more. Negotiate OTD first; if they say "we can do better if you finance," compare total cost (price + interest) to cash OTD. Use autopremo.com payment calculator to see total cost if you finance. See OTD at autopremo.com.

Bottom Line

Credit vs cash: negotiate OTD first either way. If you finance, don't pay rate markup. Use autopremo.com OTD calculator and payment calculator so you get the best deal.